Farm Loans For UK Agricultural Businesses
Farm loans are a product that can be used for a wide range of purchases for farmers and agri-businesses.
Farm Loans for UK Businesses
Specialised farm loans from £25,000 up to £500,000 helping farming businesses purchase land, equipment or livestock, or cover working capital and operating costs, available as long term mortgages, short term operational loans, or secured and unsecured asset finance, with repayment terms built around seasonal income.
Our farm loans cover agricultural mortgages for buying, renovating or expanding property, working capital loans for operating costs, unsecured business loans with fast turnaround and no early repayment fees, and livestock finance aligned to the livestock's revenue cycle.
Funding can be used for agricultural buildings, fixtures and upgrades, renewables and farm management systems or land purchases and diversified income projects, with terms that flex around seasonal income, for example deferring repayment on a combine harvester until after harvest.
Available to businesses trading for at least 6 months, with benefits including a flexible and diverse product range, cash flow injection for operational costs, repayment holidays, unsecured lending options, and the ability to refinance existing agreements.
How to apply for a farm loan
If you need further information or want to get a quote, fill out the form below and we will be in touch. If you would like to speak to someone directly, call us on 0115 858 1010 and a member of our team will happily speak to you. We can compare offerings from a comprehensive selection of funders, ensuring your funding is tailored specifically to your farm.
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Farm Loan FAQs
Can I get a farm loan even if I have existing debt?
It is possible to get a farm loan even if you have existing debt. However, having outstanding debt may affect your eligibility, as lenders will assess your ability to manage additional financial obligations. Lenders may also consider factors such as your credit score, cash flow, and your business’ overall financial health when deciding.
Can I get finance to purchase farmland?
Yes, land acquisition is one of the areas our agriculture team regularly supports. Farmland purchases often move quickly once they come to market, so having finance arranged in good time can make a real difference to whether a deal goes ahead. We'll help you understand what's achievable based on your circumstances and the land in question.
What can I use a farm loan for?
A farm loan can be used for a wide range of purposes, including agricultural buildings, investing in renewables, farm management systems, slurry tanks, glamping pods, small land purchases as well as a range of unsecured assets.
What can I do to improve my chances of securing a farm loan?
To improve your chances, focus on strengthening your business's financial profile. This includes maintaining a strong credit score, demonstrating consistent revenue growth, and providing a solid business plan that outlines how the loan will be used. Lenders may also look for a good track record of managing debt and cash flow.
What documents do I need to provide for a farm loan?
To apply, you will need to provide a range of documents to verify your business’s financial health. Common documents include your business’s latest financial statement, 6 months of company bank statements and full name, address, DOB and homeownership status of all directors.
What finance options are available with farm loans?
Through farm loans, agri-businesses can access agriculture mortgages, working capital loans, unsecured business loans and livestock finance. These solutions can all be tailored to the specific requirements of your farm.
Who should get a farm loan?
Farm loans are a suitable solution for farmers and agri-businesses who require funding for a variety of purposes.
Large business purchases: Major investments such as agricultural property, that require a major capital outlay. Farm loans provide a way to purchase while spreading the cost over a select period.
Consistent cash flow: Having consistent cash flow to manage payments for the farm loan is essential, ensuring unnecessary financial pressure isn’t put on your agri-business.
Have Any Questions?
Qualified Team Available